50 years old

Performance

Risk-Adjusted Performance

Dividends

Drawdowns

Volatility

Diversification

50 years old

Currency in USD · Last updated May 16, 2025

Asset Allocation

Position	Category/Sector	Target Weight
AAPL Apple Inc	Technology	1.50%
AMZN Amazon.com, Inc.	Consumer Cyclical	1.50%
BND Vanguard Total Bond Market ETF	Total Bond Market	8.50%
BNDX Vanguard Total International Bond ETF	Total Bond Market	8.50%
BRK-B Berkshire Hathaway Inc.	Financial Services	1.50%
DIA SPDR Dow Jones Industrial Average ETF	Large Cap Growth Equities	12.50%
GOOG Alphabet Inc	Communication Services	1.50%
IAU iShares Gold Trust	Precious Metals, Gold	16.50%
MSFT Microsoft Corporation	Technology	1.50%
REET iShares Global REIT ETF	REIT	16.50%
SCHD Schwab US Dividend Equity ETF	Large Cap Growth Equities, Dividend	12.50%
VOO Vanguard S&P 500 ETF	Large Cap Growth Equities	17.50%

Benchmark

Rebalance

Performance

Performance Chart

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The earliest data available for this chart is Jul 10, 2014, corresponding to the inception date of REET

Returns By Period

As of May 16, 2025, the 50 years old returned 4.20% Year-To-Date and 9.59% of annualized return in the last 10 years.

	YTD	1M	6M	1Y	5Y*	10Y*
^GSPC S&P 500	0.60%	9.64%	-0.54%	11.47%	15.67%	10.79%
50 years old	4.20%	4.19%	3.17%	12.43%	12.07%	9.59%
Portfolio components:
VOO Vanguard S&P 500 ETF	1.08%	9.85%	0.15%	12.97%	17.43%	12.77%
DIA SPDR Dow Jones Industrial Average ETF	-0.05%	4.95%	-2.49%	7.78%	14.41%	11.04%
IAU iShares Gold Trust	23.07%	-0.02%	25.73%	35.01%	12.86%	9.94%
BND Vanguard Total Bond Market ETF	2.01%	0.07%	1.88%	4.26%	-0.97%	1.47%
BNDX Vanguard Total International Bond ETF	0.84%	0.23%	1.43%	4.63%	0.00%	2.02%
MSFT Microsoft Corporation	7.92%	17.69%	6.77%	7.92%	21.03%	27.12%
AAPL Apple Inc	-15.36%	4.74%	-7.12%	11.97%	23.19%	21.97%
GOOG Alphabet Inc	-13.05%	4.23%	-6.53%	-4.43%	19.40%	20.15%
AMZN Amazon.com, Inc.	-6.48%	14.24%	-2.98%	10.31%	11.27%	25.51%
BRK-B Berkshire Hathaway Inc.	11.92%	-3.95%	8.47%	22.91%	24.64%	13.31%
SCHD Schwab US Dividend Equity ETF	-2.42%	3.89%	-6.83%	2.69%	13.79%	10.54%
REET iShares Global REIT ETF	2.65%	5.20%	-1.27%	7.48%	9.10%	3.15%

*Annualized

Monthly Returns

The table below presents the monthly returns of 50 years old, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.

	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Total
2025	2.91%	0.64%	-0.87%	-0.47%	1.96%								4.20%
2024	-0.35%	1.75%	3.63%	-2.90%	3.05%	1.54%	3.83%	2.48%	2.47%	-0.71%	3.19%	-3.28%	15.33%
2023	5.49%	-3.66%	2.96%	1.31%	-1.19%	2.93%	2.67%	-1.52%	-4.39%	-0.65%	7.00%	4.65%	15.94%
2022	-3.62%	-0.79%	2.36%	-5.49%	-0.88%	-5.75%	5.47%	-4.12%	-7.50%	5.01%	5.85%	-3.10%	-12.94%
2021	-1.18%	1.14%	3.45%	4.09%	2.13%	-0.25%	2.24%	1.53%	-3.99%	4.47%	-1.00%	4.31%	17.90%
2020	1.31%	-5.52%	-9.74%	8.88%	2.80%	1.98%	5.27%	3.83%	-3.03%	-1.70%	7.06%	3.54%	13.87%
2019	6.05%	1.66%	1.57%	1.73%	-3.07%	5.40%	1.06%	1.36%	1.12%	1.72%	1.07%	1.94%	23.53%
2018	3.20%	-3.31%	-0.76%	-0.06%	1.49%	0.12%	2.02%	1.87%	0.05%	-3.48%	1.73%	-4.07%	-1.51%
2017	1.44%	3.24%	-0.14%	1.10%	1.03%	-0.13%	1.91%	1.18%	0.22%	1.82%	2.36%	1.45%	16.56%
2016	-1.70%	2.20%	4.59%	0.60%	0.02%	2.94%	3.10%	-0.89%	0.12%	-2.30%	-0.31%	1.76%	10.37%
2015	1.48%	1.28%	-1.32%	0.07%	0.40%	-2.32%	1.01%	-3.39%	-0.57%	6.12%	-0.86%	-0.61%	0.98%
2014							-1.55%	2.71%	-2.37%	1.73%	2.02%	-0.07%	2.39%

Expense Ratio

50 years old has an expense ratio of 0.11%, which is considered low. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.

IAU

iShares Gold Trust

DIA

SPDR Dow Jones Industrial Average ETF

BNDX

Vanguard Total International Bond ETF

VOO

Vanguard S&P 500 ETF

BND

Vanguard Total Bond Market ETF

REET

iShares Global REIT ETF

SCHD

Schwab US Dividend Equity ETF

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 83, 50 years old is among the top 17% of portfolios on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.

Overall Rank

Sharpe Ratio Rank

Sortino Ratio Rank

Omega Ratio Rank

Calmar Ratio Rank

Martin Ratio Rank

The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

This table presents a comparison of risk-adjusted performance metrics for positions. Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Portfolio components

	Sharpe ratio	Sortino ratio	Omega ratio	Calmar ratio	Martin ratio
VOO Vanguard S&P 500 ETF	0.67	1.19	1.17	0.80	3.05
DIA SPDR Dow Jones Industrial Average ETF	0.45	0.88	1.12	0.57	1.99
IAU iShares Gold Trust	1.98	2.86	1.37	4.66	12.09
BND Vanguard Total Bond Market ETF	0.81	1.43	1.17	0.42	2.51
BNDX Vanguard Total International Bond ETF	1.25	1.99	1.24	0.59	6.18
MSFT Microsoft Corporation	0.31	0.77	1.10	0.45	0.99
AAPL Apple Inc	0.37	0.83	1.12	0.42	1.40
GOOG Alphabet Inc	-0.14	0.09	1.01	-0.09	-0.20
AMZN Amazon.com, Inc.	0.30	0.65	1.08	0.32	0.86
BRK-B Berkshire Hathaway Inc.	1.17	1.68	1.24	2.65	6.56
SCHD Schwab US Dividend Equity ETF	0.17	0.41	1.05	0.21	0.68
REET iShares Global REIT ETF	0.45	0.91	1.12	0.44	1.60

The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

50 years old Sharpe ratios as of May 16, 2025 (values are recalculated daily):

1-Year: 1.08
5-Year: 1.03
10-Year: 0.81
All Time: 0.81

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns (including price changes and dividends).

Compared to the broad market, where average Sharpe ratios range from 0.52 to 1.01, this portfolio's current Sharpe ratio is in the top 25%. This signifies superior risk-adjusted performance, meaning the portfolio is delivering strong returns for the level of risk taken compared to most others.

The chart below shows the rolling Sharpe ratio of 50 years old compared to the selected benchmark. This view highlights how the investment's risk-adjusted performance has changed over time. For deeper analysis or to customize the calculation, use the Sharpe ratio tool.

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Dividends

Dividend yield

50 years old provided a 2.21% dividend yield over the last twelve months.

	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Portfolio	2.21%	2.16%	2.11%	1.73%	1.79%	1.64%	2.38%	2.52%	1.98%	2.32%	2.04%	1.68%
Portfolio components:
VOO Vanguard S&P 500 ETF	1.28%	1.24%	1.46%	1.69%	1.25%	1.54%	1.88%	2.06%	1.78%	2.02%	2.10%	1.85%
DIA SPDR Dow Jones Industrial Average ETF	1.58%	1.61%	1.81%	1.91%	1.58%	1.87%	2.09%	2.24%	1.97%	2.26%	2.33%	2.02%
IAU iShares Gold Trust	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
BND Vanguard Total Bond Market ETF	3.76%	3.67%	3.09%	2.60%	1.97%	2.22%	2.72%	2.81%	2.54%	2.51%	2.57%	2.79%
BNDX Vanguard Total International Bond ETF	4.30%	4.18%	4.42%	1.52%	3.74%	1.11%	3.40%	3.01%	2.23%	1.89%	1.63%	1.54%
MSFT Microsoft Corporation	0.72%	0.73%	0.74%	1.06%	0.68%	0.94%	1.20%	1.69%	1.86%	2.37%	2.33%	2.48%
AAPL Apple Inc	0.48%	0.40%	0.49%	0.70%	0.49%	0.61%	1.04%	1.79%	1.45%	1.93%	1.93%	1.67%
GOOG Alphabet Inc	0.48%	0.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AMZN Amazon.com, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
BRK-B Berkshire Hathaway Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SCHD Schwab US Dividend Equity ETF	3.94%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%	2.63%
REET iShares Global REIT ETF	3.53%	3.63%	3.27%	2.42%	3.18%	2.64%	5.25%	5.73%	3.84%	5.37%	3.56%	2.12%

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

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Worst Drawdowns

The table below displays the maximum drawdowns of the 50 years old. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the 50 years old was 24.84%, occurring on Mar 23, 2020. Recovery took 93 trading sessions.

The current 50 years old drawdown is 0.31%.

Depth	Start	To Bottom	Bottom	To Recover	End	Total
-24.84%	Feb 21, 2020	22	Mar 23, 2020	93	Aug 4, 2020	115
-19.67%	Jan 5, 2022	196	Oct 14, 2022	293	Dec 14, 2023	489
-9.87%	Sep 21, 2018	65	Dec 24, 2018	34	Feb 13, 2019	99
-9.87%	Feb 20, 2025	34	Apr 8, 2025	—	—	—
-8.71%	Jan 23, 2015	149	Aug 25, 2015	131	Mar 3, 2016	280

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.

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Diversification

Diversification Metrics

Number of Effective Assets

The portfolio contains 12 assets, with an effective number of assets of 7.58, reflecting the diversification based on asset allocation. This number of effective assets indicates a moderate level of diversification, where some assets may have a more significant influence on overall performance.

Asset Correlations Table

The table below displays the correlation coefficients between the individual components of the portfolio, the entire portfolio, and the chosen benchmark.

	^GSPC	IAU	BNDX	BND	AMZN	AAPL	GOOG	BRK-B	REET	MSFT	SCHD	DIA	VOO	Portfolio
^GSPC	1.00	0.00	0.00	-0.03	0.64	0.68	0.70	0.69	0.63	0.75	0.83	0.91	1.00	0.89
IAU	0.00	1.00	0.26	0.38	0.00	-0.00	0.02	-0.06	0.14	-0.00	0.01	-0.01	0.01	0.29
BNDX	0.00	0.26	1.00	0.74	0.04	0.03	0.02	-0.09	0.17	0.04	-0.03	-0.03	0.00	0.15
BND	-0.03	0.38	0.74	1.00	0.02	0.01	0.00	-0.12	0.19	0.01	-0.05	-0.06	-0.03	0.16
AMZN	0.64	0.00	0.04	0.02	1.00	0.55	0.67	0.32	0.34	0.65	0.39	0.50	0.64	0.56
AAPL	0.68	-0.00	0.03	0.01	0.55	1.00	0.58	0.41	0.37	0.62	0.49	0.58	0.68	0.60
GOOG	0.70	0.02	0.02	0.00	0.67	0.58	1.00	0.41	0.39	0.69	0.48	0.57	0.70	0.62
BRK-B	0.69	-0.06	-0.09	-0.12	0.32	0.41	0.41	1.00	0.50	0.42	0.74	0.76	0.69	0.65
REET	0.63	0.14	0.17	0.19	0.34	0.37	0.39	0.50	1.00	0.41	0.66	0.63	0.64	0.80
MSFT	0.75	-0.00	0.04	0.01	0.65	0.62	0.69	0.42	0.41	1.00	0.52	0.63	0.75	0.65
SCHD	0.83	0.01	-0.03	-0.05	0.39	0.49	0.48	0.74	0.66	0.52	1.00	0.90	0.83	0.84
DIA	0.91	-0.01	-0.03	-0.06	0.50	0.58	0.57	0.76	0.63	0.63	0.90	1.00	0.91	0.86
VOO	1.00	0.01	0.00	-0.03	0.64	0.68	0.70	0.69	0.64	0.75	0.83	0.91	1.00	0.89
Portfolio	0.89	0.29	0.15	0.16	0.56	0.60	0.62	0.65	0.80	0.65	0.84	0.86	0.89	1.00

The correlation results are calculated based on daily price changes starting from Jul 11, 2014

Performance Analysis

Risk Analysis

Optimization

Factor Model

50 years old

Asset Allocation

Performance

Performance Chart

Returns By Period

Monthly Returns

Expense Ratio

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

Risk-Adjusted Performance Indicators

Dividends

Dividend yield

Drawdowns

Drawdowns Chart

Worst Drawdowns

Volatility

Volatility Chart

Diversification

Diversification Metrics

Number of Effective Assets

Asset Correlations Table

Performance Analysis

Risk Analysis

Optimization

Factor Model

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Screeners

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